Best Arizona Debt Relief, Consolidation & Settlement Company

Arizona debt relief, settlement and consolidation programs can:

Help you eliminate high-interest debt; including credit cards, third-party debt collection accounts, medical bills and we can even settle an unsecured debt consolidation loan that was issued by a bank in Arizona. Debt relief, settlement and consolidation programs offered through Golden Financial Services can resolve almost any type of unsecured debt.

Prevent you from wasting money on interest and high fees, that come with credit cards and personal loans. Arizona debt negotiation & settlement programs offer a savings of approximately 35% (including fees).

Make it easier to pay multiple debts at once, since clients are only responsible for making a single monthly payment.

Give you multiple debt relief programs in Arizona to choose from, not just one. If you are concerned with your credit score getting negatively affected then you may want to consider debt consolidation. Arizona residents with a credit score of 690 or higher, should qualify for a debt consolidation loan at almost any Arizona credit union. However, don’t just use any bank to consolidate your debt, only use the bank that offers you the lowest interest rate and fees.

These are just a few of the perks that come along with debt relief programs. Arizona debt counselors are waiting to assist you locally at (928) 339-7063 and for free! During your free consultation, you’ll learn about the benefits and downsides that come along with each plan and get a savings estimate for each program. You then get the power to make a choice based on what suits you best. You can go with the plan that saves you the most money and gets you out of debt in the quickest possible time-frame, or you may decide on the consumer credit counseling plan that has the lesser effect on your credit score.

The Arizona counselors at Golden Financial Services are accredited and certified by the International Association of Professional Debt Arbitrators (IAPDA) and Golden Financial Services is an A+ BBB rated Arizona debt relief company.

High interest is nothing more than your creditors taking advantage of you.

Arizona Debt Statistics for 2018

The Statute of Limitations in Arizona is six years (see section below labeled “statute of limitations”).

Debt validation – lets you dispute a debt so that you may not have to pay it. Debt validation can get the debt off your credit report in many cases.

You can rebuild your credit history through a credit restoration program that’s included in some plans.

Debt validation helps you to establish new credit, by guaranteeing your approval for an installment loan on your credit.

By using this next debt calculator tool, you can see a summary of each debt relief program in Arizona and get a free savings estimate.

Arizona Debt Relief Program Calculator

Debt Calculator

Calculate Again

Enter your total debt

punctuation marks are not required

Debt amount must be greater than $7,500!

Interest percentage*

Enter value of 0 to 99.99%

Type a monthly payment you can afford to become debt free

punctuation marks are not required

is your minimum monthly payment for total debt!

* Put the average interest rate that you are paying or that you were paying on your accounts. This will be used to calculate how much you would end up paying when staying current on your accounts. The interest rate that you put in here, will not effect the figures that are calculated for the consumer credit counseling and debt settlement programs.

Top-Rated Debt Relief Arizona Office

Golden Financial Services was rated the top Phoenix Arizona debt relief company in 2017, by Trusted Company Reviews. We assisted more consumers in the state of Arizona with getting out debt in 2017 than any other company in the nation.

Debt relief has been our specialty since 2004.

We are proud of the fact that we have ZERO Better Business Bureau complaints. No other Arizona debt relief company can say that!

Here at our Phoenix debt relief office, our mission is to rescue consumers that are drowning in debt.

Arizona debt relief programs allow you to eliminate the stress that you are feeling, getting immediate debt relief. Arizona debt relief is a right that consumers in this state deserve to have if they truly have a legitimate hardship.

It takes willpower, self-control, and courage to get out of debt. Even with our help, it’s still not easy. Golden Financial Services will ease the burden and get you out of debt in the quickest possible time-frame through our statewide hardship programs, but it takes hard work from you too.

No magic wand will make your bills disappear. What we can do is provide you with a blueprint to quickly pay off your credit card and unsecured accounts in the least painful and easiest way.

The Golden Financial Services Representatives are Certified by the International Association of Professional Debt Arbitrators (Guarantee and Credit Repair Included.) — Act now!

Do I qualify for Arizona Debt Relief?

If you answer YES to any of the following questions, you could qualify for one of the Debt Relief Programs in Arizona.

Are you unable to pay off your entire balance on any of your unsecured accounts at the end of each month?

Do you ever buy items with your credit card because you don’t have the money to pay for them without your card?

Do you notice that your health is being negatively affected because of high bills?

Are you fighting with your spouse or family members over money?

Are there times where you can only pay the minimum payment on your accounts?

Have you ever been turned down for credit in the last year?

Have you ever considered taking out a loan to pay off your bills because your monthly payments are overwhelming?

Are you living paycheck to paycheck?

Debt validation relief – Arizona

Debt validation gives you the legal right to dispute a debt.

If a debt collection company can’t prove they’re abiding by all of the laws, they must immediately stop coming after you for a debt. The debt becomes “legally uncollectible”.

A legally uncollectible debt is one that you don’t have to pay.

A legally uncollectible debt is a debt that can’t legally be reported on your credit report.

Debt validation can be the least expensive method of dealing with a debt.

Debt validation programs can be the fastest way to getting a debt removed from your credit report.

Here is a debt validation example letter (notice the creditor agrees to stop collection on the debt and remove the debt from all three credit bureaus)

Important point: Debt validation won’t erase or eliminate your debt. The debt becomes “legally uncollectible”, but it still exists. It would appear to the outside eye that it no longer exists since it’s off your credit report and you don’t have to pay it, but technically speaking – the debt won’t disappear until the statute of limitations is reached in your state. Make sure the debt validation company helping you, gives you something in writing assuring that they will stay with you until the statute of limitations in Arizona is reached.

The shocking fact is that often creditors can’t prove a debt is valid.

Golden Financial Services recommends debt validation as the first approach to dealing with debt collection accounts.

If debt validation works successfully, you could end up paying less than what you would pay with debt settlement and get the debt off your credit report.

The Golden Financial Services debt validation program comes with credit restoration and a money back guarantee.

The first year of the program is where all of your debt gets disputed and proven to be invalid.

The second stage of the program is where negative marks on your credit will be disputed, in an attempt to get them off.

The third stage of the program is where you will be given an installment loan. The point of this loan is to help you build your credit score back-up.

To combat your declining credit score, yes you need to deal with your debt. You also need to get the negative marks removed. And you also need to get new credit established.

Most debt settlement programs leave consumers with a low credit score. With a low credit score, it’s difficult to get approved for new credit. Which is what makes this guaranteed installment loan perk a huge plus.

Arizona Statute of Limitations on credit cards

The statute of limitations on credit card debt in Arizona is six years.

After you fall behind on your credit card payment, the credit card company has up to six years to issue you a summons and try to collect on the debt.

In the past, the statute of limitations in Arizona was three years, but in 2011 new laws were passed in Arizona that increased the statute of limitations to six years.

Debt settlement – Arizona

The Arizona debt settlement program is the preferred option, over debt consolidation.

Debt settlement is not a loan.

Your creditors don’t get paid on a monthly basis. Debt settlement requires them to wait.

The creditors get desperate to get paid. We can then solidify big discounts on your debts, saving you around 30-35% including fees.

Debt Consolidation ArizonaPrograms are available, but we specialize in saving our customers the most money and time. Debt settlement services will save you more money and get you out of debt faster than debt consolidation.

Debt consolidation programs require you to take out a loan. When you take out a loan you must pay the full amount back. Debt consolidation only allows you to save money on interest.

Debt settlement will eliminate interest and reduce your balances.

Debt settlement Arizona programs are for consumers who are experiencing adversity and require assistance with paying off their unsecured accounts to avoid bankruptcy.

Consumers that have more than $7,500 in total unsecured bills could qualify.

After you get approved for a debt settlement program;

You begin paying your new and reduced single monthly payment. Your debt settlement program payment will be lower than when you were paying minimum payments on your own.

Creditor harassment and phone calls can be directed to the debt settlement customer service department. If you have a debt settlement attorney representing you, creditors aren’t allowed to call you. If they do call you, they can be sued because they violated the FDCPA.

The funds you pay each month will be deposited into your program account and remain in your control until it’s time to settle one of your debts.

As soon as your debt settlement negotiator gets an attractive deal for you-you will be notified of the good news.

You then must accept the offer. That phone call may sound like this; “Hello ____, we have great news. Discover is willing to settle your $10,000 debt for a reduced lump sum payment of 4,500, do you accept?” You give the attorney or debt settlement company the “green light” and approve the settlement, and the creditor gets paid immediately.

Keep in mind, this money will have already accumulated in your trust account, so you are not required to come up with any extra money at this point.

Once you agree to the settlement offer, the funds are released, and your past due debt is settled and “paid in full”. With fees included, you will only pay around 70% of your balances by the time you finish the debt settlement program.

One by one each debt will get settled and paid. You simply need to make your payment each month and send in any collection letters that you receive. It’s that easy!

What exactly will the Debt Settlement Arizona program do for me financially?

This type of program allows consumers to have only one monthly payment, smaller than what they would be paying when paying minimum payments on their own. Our professional negotiators will contact your creditors, letting them know that you are enrolled in the program.

We will then work to settle your accounts one by one. Each of your bills can be satisfied by paying back a significant amount less than owed.

Our negotiators will bulk together sometimes hundreds of clients worth of accounts when negotiating and that gives us the necessary leverage to solidify the largest reductions for our customers.

With our program, you will also be set up with a debt relief Arizona attorney that overlooks your entire case and provides you with legal defense while on the program. Most of the time consumers will not need legal defense, but our proactive approach ensures that our clients are successful. We want you to feel comfortable and safe while on the program.

Clients receive personalized attention from their designated legal assistant while on the program, along with 24/7 access to their account online and much more!

Give us a call at 1-866-376-9846 for a FREE consultation and to see if you could qualify for debt settlement. Arizona debt relief at Golden Financial Services will help you with making debt freedom a reality and not just a dream!

Student loan debt relief in Arizona

Your federal student loans can be consolidated and paid off through the government’s debt relief programs at StudentLoans.Gov.

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Disclaimer

The information contained in this website is for general information purposes only. The information is provided by Golden Financial Services (https://www.GoldenFS.org) and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this website you are able to link to other websites which are not under the control of Golden Financial Services. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. However, Golden Financial Services takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.